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Medicare Advantage plans in Passaic County, NJ for 2027
46 Medicare Advantage plans from 8 companies are available in Passaic County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 20. Lowest in-network out-of-pocket limit: $4,500.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (28)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Clover Health Classic (HMO) Clover Health | HMO | $0 | $0 | $6,000 | 4.5 |
| AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $7,150 | 3.5 |
| AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $7,150 | 3.5 |
| HumanaChoice Giveback H5216-319 (PPO) Humana | PPO | $0 | $700 | $8,000 | 3.5 |
| HumanaChoice Giveback H7617-045 (PPO) Humana | PPO | $0 | $700 | $8,000 | 4.5 |
| HumanaChoice Giveback H7617-127 (PPO) Humana | PPO | $0 | $700 | $8,250 | 4.5 |
| Humana Gold Plus H6622-100 (HMO) Humana | HMO | $0 | $325 | $9,000 | 3.5 |
| Wellcare Assist (HMO-POS) Wellcare | HMO-POS | $0 | $700 | $9,250 | 3.5 |
| Aetna Medicare Prime (HMO-POS) Aetna Medicare | HMO-POS | $0 | $700 | $9,850 | 4 |
| Aetna Medicare Prime (PPO) Aetna Medicare | PPO | $0 | $700 | $9,850 | 4.5 |
| Aetna Medicare Prime Giveback (PPO) Aetna Medicare | PPO | $0 | $700 | $9,850 | 4.5 |
| Clover Health Choice (PPO) Clover Health | PPO | $0 | $350 | $9,850 | 4.5 |
| Clover Health Choice Giveback (PPO) Clover Health | PPO | $0 | $440 | $9,850 | 4.5 |
| Wellpoint Extra Help (HMO) Wellpoint | HMO | $0 | $0 | $9,850 | 3 |
| Aetna Medicare Elite (HMO) Aetna Medicare | HMO | $25 | $700 | $9,850 | 4 |
| AARP Medicare Advantage from UHC NJ-6 (PPO) UnitedHealthcare | PPO | $29 | $685 | $9,400 | 3.5 |
| Wellcare Low Premium (HMO-POS) Wellcare | HMO-POS | $35 | $700 | $9,250 | 3.5 |
| Clover Health Value (HMO) Clover Health | HMO | $36.30 | $200 | $4,500 | 4.5 |
| HumanaChoice H5216-461 (PPO) Humana | PPO | $36.30 | $700 | $9,250 | 3.5 |
| Clover Health Choice Value (PPO) Clover Health | PPO | $36.30 | $440 | $9,850 | 4.5 |
| AARP Medicare Advantage from UHC NJ-0004 (PPO) UnitedHealthcare | PPO | $69 | $685 | $8,900 | 3.5 |
| AARP Medicare Advantage from UHC NJ-0002 (HMO-POS) UnitedHealthcare | HMO-POS | $79 | $595 | $7,150 | 3.5 |
| AARP Medicare Advantage from UHC NJ-0005 (PPO) UnitedHealthcare | PPO | $79 | $685 | $8,400 | 3.5 |
| Aetna Medicare Prime Extra (PPO) Aetna Medicare | PPO | $84 | $700 | $9,850 | 4.5 |
| Aetna Medicare Enhanced Extra (PPO) Aetna Medicare | PPO | $99 | $700 | $9,850 | 4.5 |
| Aetna Medicare Signature (HMO) Aetna Medicare | HMO | $109 | $700 | $9,850 | 4 |
| AARP Medicare Advantage from UHC NJ-0003 (HMO-POS) UnitedHealthcare | HMO-POS | $115 | $595 | $6,900 | 3.5 |
| Aetna Medicare Enhanced (Regional PPO) Aetna Medicare | Regional PPO | $149 | $700 | $9,850 | 4 |
Plans without drug coverage (6)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,750 | 3.5 |
| AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $7,150 | 3.5 |
| AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO) UnitedHealthcare | PPO | $0 | $7,150 | 3.5 |
| Aetna Medicare Eagle Giveback (HMO) Aetna Medicare | HMO | $0 | $9,850 | 4 |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare | PPO | $0 | $9,850 | 4.5 |
| Clover Health Valor (PPO) Clover Health | PPO | $0 | $9,850 | 4.5 |
Special needs plans (12)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| UHC Complete Care NJ-8 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $685 | $7,150 | 3.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana | HMO C-SNP | $0 | $550 | $9,350 | 3.5 |
| Aetna Medicare FIDE (HMO D-SNP) Aetna Medicare | HMO D-SNP | $0 | $700 | $9,850 | 3 |
| Horizon Specialty Care (HMO C-SNP) Horizon Blue Cross Blue Shield of New Jersey | HMO C-SNP | $0 | $375 | $9,850 | 4 |
| Wellpoint Kidney Care (HMO-POS C-SNP) Wellpoint | HMO-POS C-SNP | $0 | $105 | $9,850 | 3 |
| UHC Dual Complete NJ-Y001 (HMO D-SNP) UnitedHealthcare | HMO D-SNP | $4.10 | $700 | $9,850 | 3.5 |
| UHC Nursing Home Plan EX-F003 (PPO I-SNP) UnitedHealthcare | PPO I-SNP | $18.10 | $700 | $9,850 | 4.5 |
| Longevity Health Plan (PPO I-SNP) Longevity Health Plan | PPO I-SNP | $18.80 | $700 | $9,850 | 5 |
| Wellcare Fidelis Dual Align (HMO D-SNP) Wellcare | HMO D-SNP | $28.40 | $700 | $9,850 | 3.5 |
| Wellpoint Full Dual Advantage (HMO D-SNP) Wellpoint | HMO D-SNP | $30.70 | $700 | $9,850 | 3 |
| Horizon NJ TotalCare (HMO D-SNP) Horizon Blue Cross Blue Shield of New Jersey | HMO D-SNP | $36.30 | $700 | $9,850 | 4 |
| Longevity Health Plan (PPO I-SNP) Longevity Health Plan | PPO I-SNP | $172 | $700 | $4,500 | 5 |
Stand-alone Part D drug plans in New Jersey →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-09 release).